weird.....

[Anonymous]

I just recieved an alert from Equifax about an increase in balance and a point change increase of 5 points. The problem is I usually pay my balance off weeks before the statement is cut and i did just that but this time the balance posted on all three credit bureaus anyway despite me paying before the statement cut. I think they, BofA  are posting balances weeks before statements are cut. Or maybe it's just me. 

Comments

[Anonymous]

Many different CCCs post mid-cycle occasionally for their own reasons ...

[Anonymous]

BoA will report mid cycle for many reasons including:

1.  Product C hange of the cc account

2.  Dispute or Inquiry of Account (through CRA or through Credit Analyst)

3.  CLD or CL restoration (CL restoration not always)

[Anonymous]

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@Anonymous wrote:

BoA will report mid cycle for many reasons including:

1.  Product C hange of the cc account

2.  Dispute or Inquiry of Account (through CRA or through Credit Analyst)

3.  CLD or CL restoration (CL restoration not always)

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Well the only thing i had that falls in that category is # 3 when my CL was restored last month with the 5k increase added. I just thought it was weird because it's never happened to me before.

[ma_fico]

They also have a rotten habit of reporting mid-cycle during the holidays* - 2 years in a row they caught me - all my holiday presents/shopping reported before I could pif before the statement cut.

* or any time your spending is higher than usual.